DFM:CBD Income Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	6,854	6,622	5,901	3,311	2,689
Interest Income on Investments	-	-	-	-	2.93
Total Interest Income	6,854	6,622	5,901	3,311	2,692
Interest Paid on Deposits	2,932	3,097	2,629	909.96	611.26
Net Interest Income	3,922	3,525	3,272	2,401	2,081
Net Interest Income Growth (YoY)	11.28%	7.73%	36.24%	15.41%	10.13%
Gain (Loss) on Sale of Assets	-	-	-	-	-0.04
Gain (Loss) on Sale of Investments	148.87	3.65	1.08	1.65	56.55
Gain (Loss) on Sale of Equity Investments	-	-	-	8.58	11.53
Other Non-Interest Income	1,848	1,963	1,665	1,401	1,034
Total Non-Interest Income	1,997	1,966	1,666	1,411	1,102
Non-Interest Income Growth (YoY)	1.57%	18.01%	18.10%	27.98%	0.71%
Revenues Before Loan Losses	5,919	5,491	4,938	3,812	3,183
Provision for Loan Losses	521.1	762.18	1,060	990.6	826.02
Revenue	5,398	4,729	3,878	2,822	2,357
Revenue Growth (YoY)	14.16%	21.94%	37.44%	19.71%	21.33%
Salaries and Employee Benefits	874.06	776.35	722.31	586.32	-
Occupancy Expenses	94.61	61.01	49.41	35.77	29.65
Selling, General & Administrative	585.38	566.11	456.13	374.52	835.41
Other Non-Interest Expense	-	-	-	-	41.5
Total Non-Interest Expense	1,554	1,403	1,228	996.61	906.56
EBT Excluding Unusual Items	3,844	3,325	2,650	1,825	1,451
Pretax Income	3,844	3,325	2,650	1,825	1,451
Income Tax Expense	344.05	295.37	-	-	-
Net Income	3,500	3,030	2,650	1,825	1,451
Preferred Dividends & Other Adjustments	132.23	132.23	132.23	132.23	133.77
Net Income to Common	3,368	2,898	2,518	1,693	1,317
Net Income Growth	15.52%	14.33%	45.21%	25.82%	29.50%
Basic Shares Outstanding	2,985	2,985	2,985	2,985	2,985
Diluted Shares Outstanding	2,985	2,985	2,985	2,985	2,985
EPS (Basic)	1.13	0.97	0.84	0.57	0.44
EPS (Diluted)	1.13	0.97	0.84	0.57	0.44
EPS Growth	16.23%	15.08%	48.74%	28.56%	18.40%
Dividend Per Share	0.586	0.507	0.444	0.245	0.243
Dividend Growth	15.53%	14.33%	81.44%	0.66%	29.39%
Effective Tax Rate	8.95%	8.88%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.